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LIFT KIT, WHEEL & TIRE COMBO SPECIALS
6 PACKAGES TO CHOOSE FROM
MOST MAKES, MODELS TRUCKS, SUVS, JEEPS AVAILABLE (SOME RESTRICTIONS DO APPLY)
MULTIPLE STYLES AND OPTIONS TO CHOOSE FROM
ADD ONS OR UPGRADES AVAILABLE
PRICE INCLUDES INSTALLATION WITH COMPUTERIZED 4 WHEEL ALIGNMENT
4″-6″ LIFT KIT + 20″ CHROME WHEELS + 35″ M/T OR A/T TIRES – $4000 4″-6″ LIFT KIT + 20″ BLACK WHEELS + 35″ M/T OR A/T TIRES – $3700
2″-3″ LIFT KIT + 20″ CHROME WHEELS + 33″ M/T OR A/T TIRES- $2900
2″-3″ LIFT KIT + 20″ BLACK WHEELS + 33″ M/T OR A/T TIRES- $2600
4″-6″ LIFT KIT + 18″ CHROME WHEELS + 35″ M/T OR A/T TIRES- $3800
4″-6″ LIFT KIT + 18″ BLACK WHEELS + 35″ M/T OR A/T TIRES- $3500
2″-3″ LIFT KIT + 18″ CHROME WHEELS + 33″ M/T OR A/T TIRES- $2700
2″-3″ LIFT KIT + 18″ BLACK WHEELS + 33″ M/T OR A/T TIRES- $2400
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This charming 4/3.5/2 home in SE Paris neighborhood has two living areas, vaulted ceilings and brick floors in the living room, plus wood blinds, a brick patio and a circle drive. For more information, click on the photos or contact Chad Brown.
This Reno house has three bedrooms with a split master arrangement. The property features laminate flooring, a fenced back yard, one-car carport with storage room and foliage on the corner lot. For additional information, click on the photos or contact Brittney Williams.
Have you recently received a pension buyout offer? If so, you need to decide if you should take the buyout, which could provide you with a potentially large lump sum, or continue accepting your regular pension payments for the rest of your life. It’s a big decision.
Clearly, there’s no “one size fits all” answer — your choice needs to be based on your individual circumstances. So, as you weigh your options, consider this variety of key issues:
• Estate considerations — Your pension payments generally end when you and/or your spouse dies, which means your children will get none of the money. But if you were to roll the lump sum into an Individual Retirement Account (IRA), and you don’t exhaust it in your lifetime, you could still have something to leave to your family members.
• Taxes — If you take the lump sum and roll the funds into your IRA, you control how much you’ll be taxed and when, based on the amounts you choose to withdraw and the date you begin taking withdrawals. (Keep in mind, though, that you must start taking a designated minimum amount of withdrawals from a traditional IRA when you reach age 70½. Withdrawals taken before age 59½ are subject to taxes and penalties.) But if you take a pension, you may have less control over your income taxes, which will be based on your monthly payments.
• Inflation — You could easily spend two or three decades in retirement — and during that time, inflation can really add up. To cite just one example, the average cost of a new car was $7,983 in 1982; 30 years later, that figure is $30,748, according to TrueCar.com. If your pension checks aren’t indexed for inflation, they will lose purchasing power over time. If you rolled over your lump sum into an IRA, however, you could put the money into investments offering growth potential, keeping in mind, of course, that there are no guarantees.
• Cash flow — If you’re already receiving a monthly pension, and you’re spending every dollar you receive just to meet your living expenses, you may be better off by keeping your pension payments intact. If you took the lump sum and converted it into an IRA, you can withdraw whatever amount you want (as long as you meet the required minimum distributions), but you’ll have to avoid withdrawing so much that you’ll eventually run out of money.
• Confidence in future pension payments — From time to time, companies are forced to reduce their pension obligations due to unforeseen circumstances. You may want to take this into account as you decide whether to continue taking your monthly pension payments, but it’s an issue over which you have no control. On the other hand, once your lump sum is in an IRA, you have control over both the quality and diversification of your investment dollars. However, the trade-off is that investing is subject to various risks, including loss of principal.
Before selecting either the lump sum or the monthly pension payments, weigh all the factors carefully to make sure your decision fits into your overall financial strategy. With a choice of this importance, you will probably want to consult with your financial and tax advisors. Ultimately, you may find that this type of offer presents you with a great opportunity — so take the time to consider your options.
Contributed by Edward Jones
This house features beautiful hardwood floors throughout most rooms with fresh paint in neutral colors and updated fixtures. The large living room shines plenty of natural light. The house sits on a double lot and is partially privacy fenced. For more information, click on the photos or contact Brittney Williams.